PointPay Review 2026
Learn more about TU’s methodology
- $1
- Web platform
- Mobile Apps
- Lower fees for native token holders
Our Evaluation of PointPay
Learn more about TU’s methodology
PointPay is a moderate-risk cryptocurrency exchange with the TU Overall Score of 5.65 out of 10. Having reviewed trading opportunities offered by the company and reviews posted by PointPay clients on our website, Traders Union expert Anton Kharitonov recommends users to thoroughly analyze pros and cons before opening an account with this broker as not all clients are satisfied with the company, according to reviews.
PointPay is a user-friendly platform that offers a wide range of assets and tools for both novice and experienced cryptocurrency traders. With a strong focus on security, PointPay provides a safe and reliable environment for trading and investing.
How we tested PointPay
Traders Union has analyzed financial markets for over 14 years, evaluating brokers based on 250+ transparent criteria, including security, regulation, and trading conditions. Our expert team of over 50 professionals regularly updates a Watch List of 500+ brokers to provide users with data-driven insights. While our research is based on objective data, we recommend that users perform independent due diligence and consult official regulatory sources before making any financial decisions.
Learn more about our methodology and editorial policies.
Brief Look at PointPay
PointPay is a leading cryptocurrency exchange that has been operating since 2018. With mobile apps launched in 2020, the platform has garnered over 1 million active clients. Committed to providing a high level of security, PointPay leverages blockchain technology across its entire suite of services, including trading, currency exchange, and a robust cryptocurrency wallet.
To further enhance security, PointPay employs advanced measures such as unique payment passwords, two-factor authentication, and biometric verification. The platform strictly adheres to AML and KYC protocols to safeguard user funds. PointPay specializes in spot cryptocurrency trading, staking, and savings plans. PXP, the platform's native token, plays a crucial role in its ecosystem.
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- User-friendly interface suitable for both novice and experienced traders;
- Wide range of spot assets traded with low fees;
- Functional mobile apps;
- High-level security measures to protect user funds.
- No instruments for professional traders, such as leveraged futures;
- Direct deposits from bank cards are not supported.
TU Expert Verdict
Chief Analytics Officer
PointPay provides access to trading 320 cryptocurrencies, NFTs, and fiat currencies through a web platform and mobile apps for both iOS and Android users. The platform offers spot trading with competitive fees starting at 0.12%, advanced charting with TradingView integration, and additional features such as staking, yield farming, and a native token with trading perks. Clients benefit from robust security measures including cold wallet storage, two-factor authentication, and mandatory KYC, while a 24/7 live chat supports users with real-time assistance.
However, a notable drawback is that PointPay is not regulated by any government authority, which means client protection standards may be less comprehensive than those at Tier-1 regulated exchanges. Other disadvantages include the absence of leveraged products, no bank card deposit support, and limited withdrawal options. PointPay may not be suitable for professional traders seeking advanced derivatives or strong regulatory oversight but could fit newcomers or users focused on spot cryptocurrency trading with mobile-first convenience.
PointPay Summary
Your capital is at risk. Cryptocurrency trading can be extremely risky. Cryptocurrency trading can lead to large and immediate financial losses. The volatility and unpredictability of the price of cryptocurrency relative to fiat currency may result in significant loss over a short period of time. Transactions in cryptocurrency may be irreversible, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable. The nature of cryptocurrency may lead to an increased risk of fraud or cyber attack.
| 💻 Trading platform: | Web platform and mobile apps for iOS and Android |
|---|---|
| 📊 Accounts: | Personal (Spot, Earn, and Staking) and Business |
| 💰 Account currency: | Fiat and cryptocurrencies |
| 💵 Deposit / Withdrawal: | Cryptocurrencies, Mercuryo, and MoonPay |
| 🚀 Minimum deposit: | USDC 1 |
| ⚖️ Leverage: | No |
| 💼 Copy Trading: | No |
| 📈️ Min Order: | 0.001 |
| 💱 Commission: | Spot: 0.12%-0.12% |
| 🔧 Instruments: | 320 supported coins, Fiat, NFT. |
| 💹 Margin Call / Stop Out: | No |
| 🏛 Liquidity provider: | No |
| 📱 Mobile trading: | Yes |
| ➕ Affiliate program: | Yes |
| 📋 Order execution: | Market and limit |
| ⭐ Trading features: | Lower fees for native token holders |
| 🎁 Contests and bonuses: | Yes |
PointPay offers advanced trading tools, including TradingView charts, 50 built-in indicators, and 8 timeframes. Clients can trade over 150 cryptocurrencies paired with USDT, USDC, BTC, and ETH, using market, limit, stop limit, and OCO orders.
PointPay Key Parameters Evaluation
Regulation and Safety
With a 5.75/10 score, PointPay demonstrates a moderate level of security and regulation. While the platform meets basic safety standards, it may not offer the same level of protection as higher-rated exchanges.
- Investor protection fund
- No successful hacks history
- 2FA
- Cold wallet storage
- Not government-regulated
- No facial recognition
- Not tier-1 regulated
PointPay Security Factors
We also compared PointPay against the top two competitors with the highest scores in our overall ranking based on the most critical security indicators.
| PointPay | Kraken | Coinbase | |
| Tier-1 regulation | No | Yes | Yes |
| Government-regulated | No | Yes | Yes |
| Investor protection fund | Yes | No | Yes |
| 2FA | Yes | Yes | Yes |
| Facial recognition | No | No | No |
| Cold wallet storage | Yes | Yes | Yes |
| Successful hacker attacks | No | No | Yes |
Is PointPay a regulated crypto exchange?
PointPay is not currently regulated by any government authority, which is still a common occurrence in the cryptocurrency industry. While this doesn't automatically mean PointPay is unreliable, government-regulated exchanges are generally considered more reliable due to the added oversight and client protection they offer.
Is verification (KYC) mandatory at PointPay?
Yes, KYC verification is mandatory at PointPay. You will need to complete the verification process before you can open an account and access the platform's full range of services.
Is PointPay available in the USA?
Yes, PointPay is available in the USA. However, availability may vary by state due to local regulations. We recommend checking the official website or contacting support for up-to-date information specific to your location.
PointPay commissions and fees
PointPay received a 7/10 score for its trading fees. While PointPay is not the cheapest crypto exchange, the fees remain reasonable and competitive within the market.
- Spot fee below industry average
- No deposit fee
- Withdrawal fee may be applied
- P2P fee applied
What are PointPay trading fees?
We analyzed PointPay’s crypto fees and compared them to the top two competitors, both of which hold high average positions in our rankings. To establish a comprehensive benchmark, we also calculated the average fee score based on an evaluation of over 100 cryptocurrency exchanges.
PointPay trading fees vs competitors
| PointPay | Nexus Trade | CoinMetro | Industry average | |
| Spot, maker fee (%) | 0.12 | 0.22 | 0.1 | 0.15 |
| Spot, taker fee (%) | 0.12 | 0.22 | 0.2 | 0.194 |
What are PointPay deposit and withdrawal fees?
| Deposit fee, % | 0 |
| Withdrawal fee, % | 0.0006 BTC 0.00444 ETH |
Does PointPay offer P2P trading?
No, PointPay does not support P2P transactions. However, you can explore the best alternatives in our dedicated list of top P2P exchange platforms, offering a variety of secure options for peer-to-peer transactions.
Deposit and Withdrawal
PointPay received a 4.5/10 rating for its deposit and withdrawal services. PointPay offers limited funding options and may charge fees, which could be inconvenient for many users.
- No deposit fees
- Google Pay supported
- Many cryptocurrencies for deposits and withdrawals
- Bank transfers not available
- No P2P transfer option
Deposit and withdrawal options
PointPay supports the following deposit and withdrawal options: Crypto, Google Pay, Apple Pay.
PointPay Deposit and withdrawal options vs competitors
| PointPay | Kraken | Coinbase | |
| Bank transfers | No | Yes | Yes |
| Bank card | No | Yes | Yes |
| Crypto | Yes | Yes | Yes |
| PayPal | No | Yes | Yes |
What is PointPay minimum deposit?
The minimum deposit at PointPay is 1 USD/USDT or 0 BTC. The minimum trade size is 1 USD/USDT, which also serves as the minimum amount required to start trading on the platform.
PointPay minimum deposit vs competitors
| PointPay | Kraken | Coinbase | |
| Minimum deposit, USD or USDT | 1 | 10 | 10 |
| Minimum deposit, BTC | 0 | 1 | 1 |
| Minimum trade amount, USD/USDT | 1 | 1 | 2 |
Does PointPay support fiat money?
PointPay supports fiat currency trading and account funding. The following fiat currencies are accepted:
Supported coins & markets
PointPay received a score of 5.5/10 in this category, reflecting a solid selection of tradable assets and markets. PointPay supports 320 cryptocurrencies and basic trading types, although some advanced features or asset diversity may be limited compared to leading exchanges.
- Yield farming available
- Fiat currencies supported
- Staking available
- Crypto futures not available
- Crypto options not available
PointPay supported coins and markets vs competitors
We compared PointPay with leading exchanges in terms of supported coins, NFT access, and derivatives like futures and options to help users assess the platform’s product range and trading flexibility.
| PointPay | Kraken | Coinbase | |
| Supported coins | 320 | 278 | 249 |
| Futures/Perpetual contracts | No | Yes | Yes |
| Options | No | No | No |
| NFTs | Yes | Yes | Yes |
PointPay passive income options vs competitors
We also compared PointPay with top competitors in terms of passive income opportunities such as staking, farming, and copy trading, to help users evaluate the platform’s earning potential beyond regular trading.
Trading apps & tools
PointPay received a score of 7.5/10 for offering a solid set of tools. The apps are intuitive and reliable, though certain advanced features remain limited or could benefit from further development.
- Android app score 4.6
- App data protection with 2FA
- Advanced tools and automation with API
- Mobile indicators allowed
- No Face ID
- No trading bots for traders
- Advanced orders not available
Trading apps
PointPay provides web and mobile apps for both Android and iOS users, with an average rating of 4.6 on the App Store and 4.6 on Google Play. Our review focused on core features important to traders, particularly trading functionality and security tools, to evaluate how convenient and safe the PointPay platform is for mobile use.
| PointPay | Kraken | Coinbase | |
| 2FA | Yes | Yes | Yes |
| Face ID | No | No | No |
| Mob Indicators | Yes | Yes | Yes |
| Alerts | No | Yes | Yes |
| Advanced Orders | Yes | Yes | Yes |
| Trading with bots | No | No | No |
| API | Yes | Yes | Yes |
| Extra trading platforms | No | No | No |
Does PointPay offer a desktop app?
No, PointPay does not currently offer a desktop app. However, users can access the platform via its web version, which provides more comprehensive functionality compared to the mobile apps.
Does PointPay offer advanced charting with TradingView integration?
Yes, PointPay offers advanced charting through direct integration with TradingView. Users can access TradingView’s full suite of indicators, drawing tools, and multi-timeframe analysis directly on the platform.
Contacts
| Official site | https://exchange.pointpay.io/ |
|---|---|
| Contacts |
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